Can a debt collector threaten to refer my debt to a collection agency?

Related FAQs

Is it legal for a debt collector to claim they are going to take legal action against me?
Is it possible to negotiate with a debt collector?
Can a debt collector contact me if I’m a student?
Can a debt collector call my references?
Can a debt collector ever contact me via email or text message?
Is there any way to stop a debt collector from contacting me?
Can a debt collector repossess my property for unpaid debt?
Can a debt collector contact me by phone or in person?
Who do I contact if I believe a debt collector has violated the law?
What types of debt are covered by the Fair Debt Collection Practices Act?

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